Comenity Mastercard Credit Card – Benefits, Features, Fees and How to Apply

The Comenity Mastercard Credit Card is a rewards credit card offering unlimited 1.5% cash back on every purchase you make, with no limit on the amount of cash back you can earn. This card has no annual fee and offers additional benefits like purchase protection, extended warranty coverage, and special financing offers.

Comenity® Mastercard® Credit Card

Comenity Mastercard Credit Card

To apply, you’ll need good credit and will need to activate your card once approved before making purchases eligible for the 1.5% unlimited cash back rewards. This card makes it easy to earn money back on everyday spending.

This post is an overview of the key benefits and features of this card, along with details on fees, how to apply, activate your card, make payments, and more.


Here are some of the main benefits of the Comenity® Mastercard® Credit Card:

  • Earn unlimited 1.5% cash back on every purchase, everywhere Mastercard is accepted. Cashback is automatically paid as a statement credit.
  • $100 cashback bonus when you spend $500 or more within the first 90 days of opening your account. Also paid as a statement credit.
  • No annual fee. There’s no fee to have this card.
  • Access to Mastercard benefits like identity theft protection, price protection, extended warranty, and more.
  • 0% intro APR on purchases for the first 6 months (then 14.24% – 26.24% Variable APR).

Features of the Comenity Mastercard

The Comenity Mastercard comes with several useful features including:

Contactless Payments

The card supports contactless payments through Mastercard PayPass technology. This allows for quick and convenient tap-and-go payments.

Mobile Payments

You can add your card to mobile payment apps like Apple Pay and Google Pay to make payments directly from your phone.

Online Account Access

Check your balance, view statements, make payments, and more by logging into your online account anytime.

Fraud Protection

The card provides zero liability protection against unauthorized transactions. You won’t be held responsible for fraudulent purchases.

Emergency Services

Get emergency cash disbursement and card replacement services in case your card gets lost or stolen. This ensures you always have access to funds when needed.

Costs and Fees

The Comenity Mastercard does not charge any annual fee. There are a few other standard fees associated with the card:

  • Foreign transaction fee: 3% of the transaction amount
  • Balance transfer fee: Greater of $10 or 5% of the transfer amount
  • Cash advance fee: Either $10 or 5% of the advance amount (whichever is greater)
  • Late payment fee: Up to $40
  • Returned payment fee: Up to $40

While there are no costs to get the card, responsible usage is required to avoid the fees mentioned above.

How to Apply

You can apply for the Comenity Mastercard in three simple steps:

Check Eligibility

Make sure you are eligible for the card by meeting these requirements:

  • You are at least 18 years old
  • You have a social security number
  • You are a resident of the 50 US states or DC

Submit Application

Visit the Comenity Bank website and fill out the online application form with the required details including:

  • Full name
  • Date of birth
  • Social security number
  • Contact details like phone number and address
  • Employment details
  • Income details

Provide Supporting Documents

After applying, you may be asked to provide documents for identity and income verification. This may include:

  • Photo ID Proof
  • Pay stubs
  • Tax returns
  • Bank statements

Make sure to provide the documents promptly so that your application is processed quickly.

How to Activate Your Comenity Mastercard

Follow the steps below to activate your card once approved:

  1. Receive Card in the Mail

Your new Comenity credit card will arrive within 10-14 business days after approval. Verify that the card details printed match what you had applied for.

  1. Activate Card

Call the number printed on the sticker on your card. This is the activation phone number. You can activate it by verifying some personal details.

  1. Set Up an Online Account

Register online to manage your account. Set up online account access during activation itself for convenience.

  1. Activate Contactless Payment

For contactless transactions, you need to make your first chip card purchase at a store. Insert the chip card into a payment terminal to authenticate. After this, you can make contactless payments by tapping.

Once the card is active, you can start using it for purchases online, in-store, and via mobile wallets.

Login to Your Online Account

You can log into your Comenity Bank credit card account on their website to manage your account.

Forgotten Login Details

If you forget your login details, visit the Comenity website and click on “Forgot Password”. Provide identifying details like SSN, account number, etc to verify identity. You’ll then be able to reset your credentials.

You can also call customer service for help with accessing your online account.

Tips to Make Payments on Your Card

There are a few convenient ways to pay your credit card bill including:

Online Payments

Log into your account, select ‘Make Payment’, and enter payment details to pay your bill online. You can also set up autopay for recurring bill payments.

Pay by Phone

Call the number on the back of your card and follow voice prompts to make payments through the automated phone system.

Pay by Mail

Mail your checks or money orders to the payment address printed on your monthly statement. Make sure to include a payment stub.

Pay in Person

Take your credit card bill to a Comenity Bank branch near you to make cash or check payments in person.

Schedule recurring payments or make one-time payments well before due dates to avoid late fees. Choose a payment method that is most convenient for you.

Other Important Details

Here are some other useful details regarding the Comenity Mastercard:

  • Credit Limit: The initial limit is at least $300 and may go up to $1,000 based on your creditworthiness.
  • APR Range: The purchase and balance transfer APR ranges from 22.99% to 29.99%. Cash advance APR is 29.99%.
  • Reports to Credit Bureaus: This card reports account information to all three major credit bureaus – Experian, Equifax, and TransUnion.
  • Foreign Transaction Fee: A 3% fee applies to all foreign transactions including online purchases on foreign websites.

Responsible usage of this card can help build your credit score over time due to on-time payment reporting. Make sure to pay bills in full each month to avoid interest charges.


The Comenity Mastercard makes for a decent starter credit card with cashback rewards, an initial bonus, and no annual fee. It can help improve credit history through responsible usage.

Make sure to consider welcome bonuses, rewards rates, costs, and other perks before applying to pick the best card that matches your spending habits. You can compare similar no-fee cashback cards as well before deciding.

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